Terms of Service
Effective Date: August 21, 2025
1. Acceptance of Terms
By accessing or using Meldia ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.
Meldia is a financial strategy application that provides affordability analysis, spending insights, and financial decision support tools. The Service is operated by [Company Name] ("we," "us," or "our").
2. Description of Service
Meldia connects to your bank accounts through Plaid Inc. to analyze your financial data and provide real-time affordability assessments, spending pattern analysis, and strategic financial recommendations. The Service includes features such as purchase impact analysis, timing recommendations, and behavioral financial insights.
Our Service is designed to provide awareness and strategic guidance, not prescriptive financial advice. All recommendations are based on your specific financial data and patterns, but ultimate financial decisions remain entirely your responsibility.
3. Financial Disclaimer
Meldia provides financial analysis tools and educational information only. We do not provide personalized financial advice, investment recommendations, or professional financial planning services. The Service should not be considered a substitute for consultation with qualified financial professionals.
All affordability scores, recommendations, and projections are estimates based on available data and should not be relied upon as guarantees of future financial outcomes. Your financial situation can change rapidly due to factors beyond our analysis.
4. User Accounts and Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You agree to provide accurate, current, and complete information during registration and to update such information as necessary to maintain its accuracy.
5. Subscription Terms and Billing
The Service operates on a subscription model with the following terms:
Monthly subscriptions are billed at $4.00 per month. Annual subscriptions are billed at $40.00 per year. New users receive a 14-day free trial with full access to Service features.
Subscriptions automatically renew unless cancelled before the renewal date. You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period.
We reserve the right to modify subscription prices with thirty days advance notice to active subscribers.
6. Data Privacy and Security
We take your financial privacy seriously and employ bank-level security measures to protect your data. Your financial information is encrypted both in transit and at rest using industry-standard protocols.
We do not sell, rent, or monetize your personal financial data. Your data is used solely to provide the Service features and improve the user experience. Detailed information about our data practices is available in our Privacy Policy.
7. Third-Party Services
The Service integrates with Plaid Inc. to securely connect to your financial institutions. Your use of Plaid's services is subject to Plaid's terms of service and privacy policy. We are not responsible for the availability, accuracy, or reliability of third-party services.
Financial institution data is provided by these third parties, and we cannot guarantee its completeness or accuracy. Any discrepancies should be verified directly with your financial institutions.
8. User Responsibilities
You agree to use the Service lawfully and in accordance with these Terms. You are prohibited from:
- Attempting to interfere with the Service's security measures or accessing data belonging to other users
- Using the Service for any illegal activities or in violation of applicable financial regulations
- Sharing your account credentials with others or allowing unauthorized access to your account
You remain solely responsible for all financial decisions made based on information provided by the Service, regardless of any recommendations or analysis provided.
9. Intellectual Property
The Service, including all software, content, trademarks, and proprietary methodologies, is owned by us and protected by intellectual property laws. You are granted a limited, non-exclusive license to use the Service for personal financial management purposes only.
You retain ownership of your financial data. We claim no ownership rights to the information you provide through the Service.
10. Service Availability and Modifications
We strive to maintain continuous Service availability but cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.
We reserve the right to modify, update, or discontinue Service features with reasonable notice to users. Material changes affecting core functionality will be communicated through email or in-app notifications.
11. Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to financial losses resulting from decisions made based on Service recommendations.
Our total liability for any claims related to the Service shall not exceed the amount you paid for the Service during the twelve months preceding the claim.
12. Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of the Service, violation of these Terms, or infringement of any rights of third parties.
13. Termination
Either party may terminate your access to the Service at any time. We may terminate or suspend your account immediately if you violate these Terms or engage in prohibited activities.
Upon termination, your right to access the Service ceases immediately. You may request deletion of your account data in accordance with our Privacy Policy.
14. Governing Law and Disputes
These Terms are governed by the laws of [State/Country] without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
15. Changes to Terms
We may update these Terms periodically to reflect changes in our Service or legal requirements. Material changes will be communicated to users with at least thirty days advance notice.
Your continued use of the Service after any changes constitutes acceptance of the updated Terms.
16. Contact Information
Questions regarding these Terms should be directed to: legal@meldia.com
For technical support or general inquiries: support@meldia.com
These Terms of Service represent the complete agreement between you and [Company Name] regarding your use of Meldia. If any provision is found unenforceable, the remaining provisions shall remain in full effect.